1. The HO-3 homeowners form typically insures the dwelling on a(n):

open perils (special) basis

The HO-3 covers the dwelling on an open-perils basis, insuring against risks of direct loss except those excluded.

2. In a homeowners policy, Coverage C provides protection for:

personal property

Coverage C insures the insured's personal property (contents), commonly on a named-perils basis under the HO-3.

3. Additional living expenses incurred when a covered loss makes a home uninhabitable are paid under homeowners:

Coverage D (Loss of Use)

Coverage D pays additional living expenses and lost fair rental value while the residence is uninhabitable due to a covered loss.

4. Homeowners Coverage F pays for:

medical expenses of others injured on the premises, regardless of fault

Coverage F (Medical Payments to Others) pays reasonable medical expenses of others injured on the insured location without regard to liability.